BDCU Alliance Bank Credit Cards

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Compare the lender that helps its local community and gives back to its members.

BDCU Alliance Bank believes in providing honest and ethical advice with the sole purpose of enhancing the lives of their members. They offer a range of financial services, including credit cards, insurance, financial planning, brokerage services and loans. With their profits going straight back to their members, they’re able to support their philanthropic activity, including the BDCU's Children's foundation that helps Bowral Hospital and BDCU Goulburn Hospital Fundraising.

BDCU is part of one of Australia's largest ATM networks, providing online banking and personalised service in Bowral, Mittagong, Moss Vale and Goulburn.

BDCU's Visa Credit Card is compared on this page to other similar cards. You can read more about the benefits of banking with BDCU below, as well as the features of this credit card and how to apply.

BDCU Alliance Bank Credit Cards

Rates last updated May 23rd, 2017
Purchase rate (p.a.) Balance transfer rate (p.a.) Annual fee
BDCU Visa Credit Card
Enjoy a low introductory rate of 7.99% p.a. for 6 months on purchases plus a low annual fee of $45.
7.99% p.a. for 6 months (reverts to 12.49% p.a.) $45 p.a. More info

Types of credit cards from BDCU Alliance Bank

  • Low rate credit card

Low rate credit cards typically come with low interest rates, giving you a lower cost way to carry out your transactions. BDCU Alliance Bank offers a Low Rate Visa credit card that can be ideal if you want security for extra funds and access to competitive interest rates.

Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
BDCU Visa Credit Card
7.99% p.a. for 6 months (reverts to 12.49% p.a.)
Up to 44 days on purchases
$45 p.a.
Enjoy a low introductory rate of 7.99% p.a. for 6 months on purchases plus a low annual fee of $45.

Compare up to 4 providers

Name Product Purchase rate (p.a.) Interest Free Period Annual fee Balance transfer rate (p.a.) Product Description
HSBC Low Rate Credit Card
13.25% p.a.
Up to 55 days on purchases
$55 p.a.
0% p.a. for 15 months with 2% balance transfer fee
Save with 13.25% p.a. on purchases. Also enjoy exclusive offers with the home&Away Privilege Program.
St.George Vertigo Visa
13.24% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
0% p.a. for 14 months
Save with 13.24% p.a. on purchases. Also enjoy up to 55 days interest-free.
Westpac Low Rate Card - Online Only Balance Transfer Offer
13.49% p.a.
Up to 55 days on purchases
$59 p.a.
0% p.a. for 24 months with 2% balance transfer fee
A low interest rate on everyday purchases and a long term balance transfer rate offer of 0% for 24 months.
St.George Vertigo Platinum
12.74% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 20 months
Save with 12.74% p.a. on purchases. Also enjoy Visa Platinum Concierge service.
NAB Low Rate Platinum Card
13.99% p.a.
Up to 55 days on purchases
$100 p.a.
0% p.a. for 18 months with 3% balance transfer fee
Save with 13.99% p.a. on purchases. Also enjoy access to 7 complimentary insurances.
ANZ Low Rate
12.49% p.a.
Up to 55 days on purchases
$58 p.a.
0% p.a. for 16 months with 2% balance transfer fee
Take advantage of 0% p.a. for 16 months on balance transfers and a low ongoing interest rate on purchases.
Bendigo Bank Basic Black Credit Card
12.24% p.a.
Up to 44 days on purchases
$45 p.a.
A basic credit card that features low interest rates, low annual fee and up to 44 interest-free days on purchases.
ANZ Low Rate Platinum
11.49% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 16 months with 2% balance transfer fee
Enjoy platinum benefits with exclusive discounts, complimentary travel insurance and personal concierge. Also repay your credit card debt interest-free with 0% p.a. for 16 months on balance transfers.
NAB Low Rate Credit Card
13.99% p.a.
Up to 55 days on purchases
$59 p.a.
0% p.a. for 18 months with 3% balance transfer fee
Save with 13.99% p.a. on purchases. Also enjoy special offers from Visa Entertainment.
BankSA Vertigo Visa
13.24% p.a.
Up to 55 days on purchases
$0 p.a. annual fee for the first year ($55 p.a. thereafter)
0% p.a. for 14 months
Enjoy a low balance transfer offer of 0% p.a. for 14 months and a low ongoing purchase rate from BankSA.
American Express Essential®  Credit Card
14.99% p.a.
Up to 55 days on purchases
$0 p.a.
0% p.a. for 12 months with 1% balance transfer fee
A no annual fee card that collects up to 1 Membership Rewards point for every $1 spent.
Bank of Melbourne Vertigo Platinum
12.74% p.a.
Up to 55 days on purchases
$99 p.a.
0% p.a. for 20 months
Save with 12.74% p.a. on purchases. Also enjoy up to 55 days interest-free.
Virgin Money Low Rate Credit Card
11.99% p.a.
Up to 44 days on purchases
$99 p.a.
0% p.a. for 12 months
Save with 11.99% p.a. on purchases. Also enjoy the protection of Fraudshield.
Westpac Low Rate Card
0% p.a. for 6 months (reverts to 13.49% p.a.)
Up to 55 days on purchases
$59 p.a.
0% p.a. for 12 months
A simple low interest rate card featuring a low ongoing rate on purchases, up to 55 days interest-free on purchases and a low annual fee.
Heritage Bank Gold Low Rate Credit Card
11.80% p.a.
0 interest free days
$0 p.a.
0% p.a. for 12 months
Save with 11.8% p.a. on purchases. Also enjoy $0 annual fee.
Coles Low Rate Mastercard
12.99% p.a.
Up to 62 days on purchases
$49 p.a.
0% p.a. for 6 months
Receive $100 off a single Coles Supermarket shop If you apply, are approved by 30 June 2017 and make a purchase within the first 30 days.

Compare up to 4 providers

Learn more about Low Rate Credit Cards

The benefits of banking with BDCU Alliance Bank

  • Internet & phone banking

BDCU provides secure access to your banking services 24 hours a day, seven days a week. You can access your account online or through the phone whenever you need to.

  • Worldwide acceptance

Have the confidence of worldwide recognition with Visa credit card. You’ll have access to your funds at over 2.1 million ATMs in more than 200 countries and territories worldwide.

  • Membership benefits

All profits are channelled back to members and the community, with more than 14,000 members of the community already sharing ownership. Specific members benefits are also available to certain age groups and business groups.

  • Access

As a member of BDCU you will have access to one of  Australia's largest ATM networks. BDCU Alliance Bank also provides personal service in Bowral, Mittagong, Moss Vale and Goulburn.

How to apply for BDCU Alliance Bank credit cards

To apply for a BDCU Alliance Bank Credit Card, click the ‘Go to Site’ button and you will be redirected to a secure web form. Please note that in order to be eligible for this card you must meet the following requirements:

Eligibility criteria

  • Be a BDCU member
  • Be a permanent Australian Resident
  • Be at least 18 years old
  • Have a good credit rating

Required information

  • Identification. Provide information about yourself, such as drivers license number, whether you support any dependants, your residential address and a relative’s details.
  • Income. You’ll need to give a recent payslip, tax assessment, group certificate, or dividend income certificate with this application.
  • Finances. This section requires information about your income, savings/ investment accounts and assets.

What happens next?

Once you have completed the application form, return it to any BDCU Alliance Bank centre or mail it directly to them.  You should get an email from the bank letting you know whether you’ve been approved or declined. Your application can also be conditionally approved. If this is the case, you may need to provide extra information to the bank, like payslips, to verify your income.

If your application has been fully approved, you can expect to get your credit card within two weeks.

Frequently asked questions

Payments can be made on the internet or by phone with BPAY. Simply call BDCU’s direct line for phone banking or apply for internet banking through the BDCU website.

Balance transfers can be requested at the time of application or by calling BDCU.

The minimum repayment for this card is 3% of the outstanding balance or $25, whichever is greater.

Interest-free days on purchases are eligible when the account is paid in full when your statement is issued. If a balance is carried month to month (like when you're paying off a balance transfer promotion) you won't be eligible for interest-free days. Please note that interest-free days do not apply to cash advances and cash transactions, such as bill payments.

If you lose your card you can cancel your card immediately by calling BDCU directly on 1800 648 027 (Toll-free National) or +61 2 9959 7686 (International).

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